Pioneer Valley Credit Union offers many Checking Account Options for members to choose a checking account that's right for them.
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We pay you a .10₵ cash reward on each PIN/Signature Debit Card transaction in the amount of $10.00 or more.
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Your Complete Business Checking Package Includes:
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Merit Privilege Pay gives you peace of mind.
Merit Privilege Pay Overview:
If you do not Opt-In to receive Merit Privilege Pay we will not be able to cover mishaps which may occur at the store, gas station, ATM or anywhere else you may swipe your MasterCard Debit Card.
*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days. Merit Privilege Pay will be deactivated for overdrawn balances and the time period by which the member must repay or cover any overdraft is 45 consecutive days unpaid. We will not pay overdrafts on your ATM and everyday debit card transactions unless you ask us. If you do not ask us, the transaction will not be paid. Categories of transactions for which a fee for paying an overdraft may be imposed include ATM withdrawals and debit/check transactions up to $1,000.
Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.
Don’t worry, we’ve got you covered.
Pioneer Valley Credit Union offers many Overdraft Protection Options for our members for those unexpected moments.
*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days.
*APR = Annual Percentage Rate; APY = Annual Percentage Yield; Terms and conditions apply. Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.
Calculator is for informational use only. Your actual loan terms will vary based on a number of factors.
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Calculator is for informational use only. Your actual savings will vary based on a number of factors.